Asset Utilization / Depletion
Turn your balance sheet into monthly income.
Asset depletion converts savings, brokerage, and retirement balances into a qualifying monthly income figure, letting asset-rich borrowers qualify without drawing down a dollar.
What makes this loan different
- Eligible assets divided over 60 to 120 months
- Retirement accounts often counted at 70% of value
- No liquidation required to qualify
- Combines with wage, rental, or business income
Who this is built for
- Retirees and pre-retirees
- Borrowers after a business sale or liquidity event
- Anyone with large balances and modest reported income
The calculation
The lender totals eligible liquid assets, applies a haircut to volatile or restricted accounts, subtracts funds needed for down payment and closing, and divides the remainder over a term that typically runs from 60 to 120 months. The result is monthly qualifying income.
A $2 million portfolio divided over 120 months produces roughly $16,700 a month of qualifying income, and you never have to touch the account.
Which assets count
Checking, savings, money market, brokerage, and in most cases retirement accounts if you are of age or the lender allows an early-access haircut. Crypto, business accounts, and restricted equity are treated case by case.
What lenders typically ask for
- Two to three months of statements for every account being used, all pages
- Evidence of ownership and unrestricted access to the funds
- Terms of any retirement account, particularly where the borrower is under the age at which distributions are penalty-free
- Documentation of seasoning, since recently deposited funds are often excluded
- Standard credit and ID documentation
Requirements vary by lender and by file. This is a general picture of what is commonly requested, not a checklist for a specific loan.
Worth knowing
The divisor determines everything.
Lenders convert assets to monthly income by dividing by a set number of months — 60, 84, and 120 are all in use. The same portfolio can produce very different qualifying income depending on which lender holds the file.
Assets get discounted before they get divided.
Equities are commonly counted at a percentage of value rather than in full, and retirement accounts are often discounted further, particularly where a withdrawal would carry a penalty. Cash generally counts at or near full value.
Seasoning and accessibility are checked.
Funds that arrived recently, or that sit somewhere the borrower cannot actually reach, are typically excluded regardless of the balance shown.
Nothing has to be sold.
The calculation establishes qualifying income. It does not require liquidation. Where a borrower is weighing selling assets against financing, that comparison is worth running with their advisor before anything is sold.
See what this program would take in your case.
We are brokers — this program is shopped across hundreds of wholesale lenders, not quoted off one rate sheet. A short application gives us enough to compare real options.
Program availability, terms, guidelines, and documentation requirements vary by lender and are subject to underwriting and change without notice. This is not a commitment to lend.